lori: we have some important jobs data today. adp reported we had more than expected jobs last month, but a drop from august. where is the recovery, are we in a jobless non-recovery? melissa: that is depressing. how about a housing recovery? guess who is here? we will talk about what trends are being seen right now. lori: you were already harassing her. melissa: it will be great. lori: you have to stick with us this hour. let's get you updated on the market as we do every 15 minutes. we have our own nicole petallides at the new york stock exchange. nicole: looking pretty good

here. holding onto some gains. a lot of of arrows. it is not always that use the all the arrows on the upside for the major industries. the dow jones industrial 13,522 right now. i want to take a look at metro pcs. yesterday, it was a lie on the rumor. we started to speculate that there was going to be a deal. it was up 20 something percent. here it is today. selling off now on the news. down about 9%. virtually flat at the moment. with this move, both companies did approve the deal. metro pcs approving a stock

split. obviously, getting back a lot of yesterday's game. back to you. lori: thank you, nicole. ♪ melissa: breaking news. energy complex selling off. u.s. and europe down big in trading today. let's get right to the pit. phil flynn of rice futures group is there. oil just getting crushed right now. >> the inventory report was polish. people are talking about the slowdown in china, uncertainty with europe, all of that leads into the market. oil is reacting more than just any other commodity on the board heard some of this we believe is reasonable. this time of demand, we saw an

uptick in refineries. it has been getting flushed lately. it is increasing the pressure on iran. we have also heard talk coming out of israel that they are thinking about giving more time. moving more towards negotiations. boyle seasonally sticking out like a sore thumb. saudia arabia is lowering the price for oil. they need to sell more oil. faith is a sense of right now demand is weak locally. lower prices. melissa: gasoline is getting

hit? >> look at where we are coming from and we did it a two week low on the rbob future. generally speaking when you see the prices come down, really, rbob has been out of whack with rude. i do not know if it is that, but definitely part of the equation. melissa: big story there. keep an eye on it. lori: oil prices, gas prices, always political. let's talk politics now. the first presidential debate hours away now. my next guest says this is his best opportunity to do just that. it could also be his last. joining the now is ryan gardner. if it's great to have you back on the show. i will just cut to the chase, do you think will win we must.

[laughter] i think ronnie has a chance to have a good night here. he needs to deliver a clear, precise message. he has already done a very tough thing critiquing and criticizing the president's record so far. he needs to close the sale on why he would be better. lori: almost like a broken record, right? being critical of romney saying we want more specifics from him. can he do more? is this the best setting to do that and? will his substance be drowned by the president? >> it is only an hour and a half debate. maybe a line here or there that flushes out a detailed that we have not known so far. he has to deliver to clear messages. once i detailed a second ago which is why his plans would be better than the obama plans and,

secondly, why he is not a third term of george w. bush. if he fails to do that, because that will be the obama response, what you are trying to do is we tried that way in the past and it did not work. romney has to come back and say we have lots of failed policies and this is why i am different. if he does that, he can win this. lori: will the president default to the fact that thinkers? we know jpmorgan was in the news this week you how to think ronnie should handle those attacks? >> if he stays away from that, and kind of keeps and even keel, i think it will ease the concerns of some business leaders and could help him within the business community. if he goes back to the populace rhetoric that we have heard, i

think the market and business will react negatively. lori: why do you think it is from these best and possibly last chance? >> he is going head to head with the president. you do not get a better opportunity than this. a lot of states have early voting. the further we get into october, the larger percentage of voters will have already voted. they will not have as big of an impact. lori: brian gardner, thank you so much. lori: fox business will have live coverage from denver tonight. you will want to join neil cavuto right here at 8:00 p.m. eastern. melissa: a new jobs report could fuel the u.s. already in a recession. elizabeth macdonald is here. >> did was pay fees from the

estimate of 143,000. the trend is going slightly down. 189,000. the trend line, we have been around 200,000. we need to be well above 200,000 just to keep up with inflation, excuse me, population growth rather. we are seeing essentially 125,000 net jobs created since 2009. we have a government report coming out. unemployment may take up to 8.2%. that also includes government layoffs. this is a rearview number. we know the durable goods number was really bad. will we see, you know, worsening job numbers going forward? a lot of fuzziness in the data. how do you look for it? you have to look at the long to your trend. over two years.

you have to see well above that. lori: one of the things to keep in mind, there is so much data out there and so many revisions, initial jobless claims, government reports on the job situation, they are always revising. lately, it has been to the negative. >> we did see good solid 18,000 jobs in the sector. that is where the economy is being structured these days. 10,000 jobs in construction. manufacturing, 4000 jobs. melissa: we were looking at 113, does that make that same life? i just want to remind everyone that is not a good number. >> finding the list that the government number includes state and local layoffs. i don't think that adp number includes that. when you look at those two numbers since january, you will

see a defeat for 172,000 jobs a month where it is about 150,000. it has to be above 200,000 to keep up with population growth. again, 8.2% we are looking at coming in for friday. lori: full employment around 4%? nobody talks about that anymore. >> we just talk about the jobless rate. lori: the temperature is going down, find your heating costs going way up? the impact the winter will have on the economy. melissa: take a look at metals had with those who break. gold trading up. copper, basically what. we will be right back. ♪

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♪ melissa: gas prices selling at a new 2012 hi yesterday. up 85%. i know. it still looks cheap. [ talking over each other ] just how expensive would your heating bill be this year? >> a little more than last year. the group that predicts these prices says they are looking at all the factors affecting the price and the natural gas supply association says heating your

home this winter will likely cost more. >> we are very bullish on prices on liquid prices. i do not see any factors out there that would cause any dramatic further downward price. who knows in this industry. you always have to watch that. >> ultimately deciding the price of natural gas. people eat less, demand falls and so do prices didetter economic growth usually means more demand. they expect flat growth this winter. there are other uses for natural gas. powerplants switching. there are still challenges with very few natural gas stations nationwide. there is all of regulatory uncertainty with states and the

federal government rolling out rules on fracking. the epa is also studying fracking effects on drinking water. back to you. melissa: thank you so much. lori: let's check the markets with local. i understand you are watching two big movers. nicole: they are in the retail sector. best buy and family dollar. best buy is the name we have talked about a long time. guess what, it is back in the news again. we are now hearing that best buy investor has been rolling it big in working with four private equity firms in order to take the company private. they are examining the books. that is why you see the stock getting a jump. how about family dollar. profit and sales are doing well.

consumables has been very strong. some of it has been a peril. family dollar is doing well today and it is the best performer quarter to date for all of the retailers i have checked on. back to you. lori: i love stuart ernie's reaction this morning when he told you he shot that family dollar. [ talking over each other ] melissa: careful. knight capital technical glitches. is that sec about to send it over the edge? that is a charlie gasparino question. charlie is not cheap. i just want to add that in their. lori: he always buys drinks for

people. you are looking at the dollar against its major trading partner. it is pretty flat. back with more after this. ♪ when we got married. i had three kids. and she became the full time mother of three. it was soccer, and ballet, and cheerleading, and baseball. those years were crazy. so, as we go into this next phase, you know, a big part of it for us is that there isn't anything on the schedule.

♪ >> at 21 minutes p hour i am laura ingle with your fox news minute. the government expects the number of death to decline because many of the wounded are in critical condition. serious government blames rubbles. voting takes place in chicago today. last month features of more than 600 school ended a strike after union delegates discussed a contract and voted overwhelmingly to suspend the lockout. the results could be known tonight or tomorrow. next time you have a killer headache, think about this guy. he has created a record by

breaking 18 coconut with his head in 18 seconds. he also had a record. that was with his elbow. the guy has been driven by extreme passion for creating new records. those are your news headlines. lori: extreme passion. that is how you feel after working with me for an hour. melissa: without question. there is no situation where i was paying coconut pothead. lori: officials at the sec are following the explosion of knight capital. charlie gasparino has the very latest. charlie: when i saw that, i wanted to bang a coconut on my head. this is kind of interesting. one of the reasons why investors

are pulling money out. you look at withdrawals from stock mutual funds. that is catastrophic. they are losing confidence. three huge amounts of money. the major reason why is they do not think the market structure is safe. you have things like my capital imploding. that is a big problem. following knight capital explosion -- to see if they have the trip wires that will present major catastrophe from happening again. they are not done yet. we do not know when they will be done. they are trying to get it done before the election. the basic things that we are hearing is a following, the sec is really worth that major firms do not have those flyers. these are very basic trip wires. they would alert senior

management, drug trade are going out there and they should not. that is a real problem in the market. they are also finding that these firewalls may not exist. it may be in violation of current rules. there is an access rule out there that says you have to have these firewalls. think about that. a lot of firms are in violation, including knight capital. the fact is they should have trip wires and they do not. knight capital said it continues to argue human error was to blame. i have always thought there had to be a degree of human error. there was a technical error. there is clearly also human error. melissa: sum up what the program and run. charlie: when the new york stock exchange cause you up and said, by the way, you have a problem and it does not get fixed for an

hour or a half hour, you have a human error. tom joyce -- i think there is a sweep going on. there will probably be a separate report on knight capital and i thought of his job going forward may depend on that. melissa: there has been a lot of articles going around about traders wanting more regulations of this does not happen again speaking i think that depends. i think they want some degree of regulation. the last thing they need is for a friend like my capital that did not have the basics involved. they have the basics. the last thing they wanted knight capital. melissa: they want regulation. charlie: i will answer your question if you let me. the last thing they need is for

knight capital test what happens if not just regulation, put total, you know, armageddon plan down. that is what they are worried about. unless i am reading something wrong, it is pretty clear, you have to have these trip wires. knight capital did not. that is a big problem. that is why a lot of people say tom joyce should be fired. he should not be there right now. if you are the ceo of a firm and you do not have those trip wires, you should go. melissa: you did not answer my question. do they want more regulation? charlie: what is more regulation they want existing regulations to be imposed in a sort of strict way. market access. pretty basic. you need trip wires. melissa: that is current regulation. charlie: i do not know what you

are quoting. you should give me the quote. i think they want more enforcement of existing regulations to be more vigilant. obviously, when you have knight capital, right, they must have been examined once. where are the trip wires? charlie: thank you. melissa: how important is it for large companies to give back to the people they serve? lori: they transfer money all around the world. we really have a front row seat. in the meantime, here are some of today's winners and losers on the s&p 500. netflix up 8% today. back with more after this. ♪

♪ lori: it is time for stocks now as we do every 15 minutes. but head to the floor of the new york stock exchange. nicole petallides is standing by. nicole: the number one loser on the dow jones industrial. so many folks hold hewlett-packard in their holdings and some way whether it is a mutual fund or an individual tech fund. it is getting hit hard today. talking about a very challenging environment. giving an outlook that was somewhat of a cautious one. we are think that down 8.6%. that is a huge move. almost at a ten year low. i also want to take a look and flipped the arrow around. that is for netflix.

it has been a top performer for the s&p 500. number one spot right now. citigroup reiterated their by rating on netflix. in a note to clients. it is up almost 8%. back to you. melissa: thank you so much. lori: western union. transfer, first commercialmoney satellites and even the first singing telegram. what is a 160-year-old company doing to stay current in this economy? we have the ceo of western union with us now. welcome to you, sir. >> thank you. lori: one thing you are doing is participating in this event to incorporate responsibility. education is the main reason people spend money around the world.

>> about 21 transactions a second. we moved about $150 billion yearly. the main reason for the people moving money from one country to another country is education, supporting their loved ones, sending money every transaction. sending the people back to school. sending their children back to school. about 61 million children worldwide that have no access to education. to support that, we made a commitment saying from the money standing, those that have made a commitment thing we would like to pull the people back to school. giving the children the opportunity to create economy growth worldwide.

a million days of school for the children. up to $10,000 a day. it is a huge commitment. customers tell us that they knew that. lori: tell me about the amount of money being sent around the world and the pace that is moving. >> it does help us a lot. 2009 crisis -- we already knew that job creation and investment the company went down. the money was sent less. we saw already in some countries that earn money spent was less. some environments are challenging. about 40%. if there are no jobs, there is also no earning money and less

spending money. however, our business, you know, is in 200 countries. there are opportunities. lori: power connection with you is really shaky. we have a bad connection. we will let you go. thank you for sharing your time in business with us. melissa: the candidate gearing up for tonight's big debate denver. our very own neil cavuto is therefore covered. first, he is taking time out to talk to us about what to expect. neil cavuto, the big cheese, will talk to us next. lori: the highlight of the day. talking about the highlight of my day, let see what this ten year yield is. ask and you shall receive. unchanged. there is a 30 year note. back with more after this. ♪ [ male announcer ] how do you trade?

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♪ >> i am robert gray with your father's business brief. wall street has been used to move higher following a better than expected numbers. the tech company said discovery that works has become the first partner to use this apple tv service. discovery will kick off the in italy. if it all goes well, it will expand to other markets including the u.s.

many retailers are expanding their life away -- layaway farkas. walmart is slashing its feet by 75%. it is extending the payoff. for 90 days. that is the latest from the fox business network. giving you the power to cross her. ♪

♪ and seven that means the president obama and mitt romney going head to head for the first time tonight. voters will get the best look at how the candidate for federal issues like the economy and tax reform. neil cavuto joins us now from

denver. lori: i thought i was supposed to go with you and stand next to you and hold your jacket paired what happened to my plane ticket? lou: anytime. any time. it was while the wall circuits, campaigners, reporters behind me. after the debate, both sides will talk about how their candidate will and eventually after won the debate, thousands of reporters stuck in between coming in and out. you may rethink that. it will get loud and pretty angry. we are also told that both sides plan to come out swinging tonight. we arty know a little bit. the president won a coin toss. he will have the opening remarks.

mitt romney will be making the closing remarks. apparently, the president opting for that when he won the coin toss. it is better to catch an audience earlier. nevertheless, it is interesting how he tries to play this on a day that the economy is going to be front and center. we have some good numbers. we also have some distressing news about money coming in. each side will pounce on the numbers that are out there. that will be the debate. lori: this is romney's last and final chance to convince us. do you agree? lou: not all the time is the first debate the most highly rated. most of the time, that is so.

there will be a vice presidential debate. in 1984, it was the second debate between ronald reagan's that got a lot more attention. what happened is ronald reagan's stumbled badly in that first debate. some even said at that point he was too old to be president. he comes roaring back in the second debate with that famous line i will not hold my opponent youth and inexperience against him. hard to say. you know, how this plays out. i think it is very obvious. the pressure is on mitt romney to deliver the goods. he obviously had satisfied. he knows what he is talking about. the problem is, he has sounded very callous, very distant. the 47% think, however, you

could argue it made him look indifferent. almost -- i do not think that was his argument. he has an initiative to say i can but i kind face on what will be a smaller government. does he have that? melissa: i will watch every minute. lori: you are such a kiss up. lou: you go that isn't it stupid to do otherwise? i will be watching every minute. lori: i am just kidding you. lou: i am dvr inc. myself. i thought that was very nice. melissa: absolutely. i have no dow under doubt about

that. [ talking over each other ] melissa: that is true. lou: they hate each other. melissa: i was not going to say that. i was going to let you say it. neil, thank you so much. often this will have live coverage tonight at 8:00 p.m. eastern. make sure to catch neil. lori: i think it -- melissa: i think you just went one step too far. it is a quarter till. let's check the markets. the full petallides is watching two stocks making their debut on the new york stock exchange right now. nicole: i am glad to state business. everyone is familiar with

lifelock. they spend so much of their revenues on marketing. that is an order to ensure that they have identity theft and fraud prevention. they had a nine dollar ipo. there it is at 8.72. it did come in at nine dollars. still to the downside. there is a look at lux for holdings. back to you. melissa: thank you so much. lori: a real estate company with just $1000. she turned it into a $5000 business. what many thinks she can tell us. melissa: let's take a look at the winners and losers as we head out to break. netflix looking very good. we will be right back. ♪

♪ lori: oil. prices holding well below that and a dollar a barrel mark. let's go to sandra smith@the fifth of the cme. sandra: they are looking at the inventory data and think the supply level well above where we were just a few ago. not only are we holding the love that $90 level, we are holding firmly below $89 a barrel. we are at the lows of the session. this is having a big influence on the stock market. big companies are down.

bob taking a hit on it will fly today. we'll still getting hit very hard. we are at the close of the session. a big selloff here. to show you the inventory numbers and what i mean, the market was and this -- that would be quite foolish for the market. if you factor in the numbers, we are still well a above. when we look at china's number into the latest inventory data, things are week over there. they are the second largest oil consumer in the world. second only to the united states. traders have to price and that weakness in the price of oil. rbob is also lower. natural gas is the worst performer.

right now down 5% after being up six straight days. we have a big selloff going on. lori: thank you for the explanation, sandra smith. melissa: interest rates at an all-time high. mortgage applications are soaring. refinancing rose to the highest level in three years purchases also jumped 4%. is this a good time that there is an appetite for home buying and also for the banks to lend? i have to give you a big funder. you are just that kind of person. >> thank you. melissa: what is going on in the market right now for not house prices rising. enormous 4% since last year. some areas rising as much as 25%

last year. everyone is saying that the worst is behind us and for the first time i believe it. melissa: where have you seen prices for volume go up? >> one third of them his thoughts were still dissenting by very little. you take the hardest hit markets that everyone would think would not come back. the reason for this is all that investors storming into the market, flying on the cheap and renting out the houses. the cheaper the house, the more appreciation. that investors are in the bottom part of the market. melissa: what is the smartest way to play it? do you go to an area that has not seen a rebound hit and invest their arena you know what, there is no smart way to play it if you are going to pinpoint the market. the absolute best market to buy and is the one you are living

in. if you buy the house next door, you know the right and wrong street, the schools, etc. most of the investors are local buyers. that is what it should be. they really know what they are doing. melissa: is it really hard to get a loan deal? anecdotally i don't know if that is true? >> you need a tremendous credit rating to get a loan today. thanks are repeatedly having appraisers that come in and under appraised the house once the contract is signed. one out of her he feels is falling apart. they want to renegotiate the deal and very often they walk away. melissa: i want to throw you a curveball because you are a professional. you started a business from scratch. you built this amazing empire. you continue to reinvent

yourself. you are on a hit show. what do you think could make business owners more courageous in this economy? >> let me tell you something, there is no lack of kurds out there. they have passion. they work like crazy. although those are given. lack of funding from the faith. what is happening now is a lot of the things i said this often starting to lend. they need to have cash flow issues resolved. every business has more sales than they have cash coming in. the lending is the key issue today holding back his fifth seven what advice would you give? >> i would say be very very savvy on what is out there. they had $3 million just given out to young people. also, apply for credit lines.

there is a better fit than it is worth the small business. to the fact that people really need the funding. those are the big employers you have thought the small businesses. melissa: that is true. thank you. you are the best. lori: that was so inspiring. thank you. the health the increased cost for employers. this is not so inspiring to buy 150%. coming up, find out why and. tracey births and ashley webster partner. ♪ ñ

>> how great was barbara corcoran? she is so inspirational. lori: very inspiring. you have a story that you

had i couldn't decide to laugh or cry. greek people handing over children to the tax check are to. no tax breaks. take my kids. symbol of how frustrated they are. ashley: all the mothers came into the office. was given the child, if you will do away with tax breaks for large families you raise this child. lori: unbelievable turn in this story. ashley: that is typical greece. >> i didn't know they had quite a sense of humor. i think it is funny. ashley: thank you very much, ladies. tracy: here to the greeks. ashley: lori said we wouldn't hand over her dogs. tracy: but the kids, take them. ashley: i'm ashley webster. stocks well off session highs. oil tumbling to below 96 bucks a barrel on new concerns about china. we're tracking all of the market moves this hour. tracy: a new startup wants to become the aaa of health care. care planners cofounder tells us how it works.

he's ahead. ashley: regulation nation. the ceo of carl's jr and hardee's parent, cke, says taxes and health care are hurting his ability to do business. he is here and will be our special guest ahead. tracy: he has been pretty outspoken spoken about that. as we do every 15 minutes, nicole petallides on the floor of the new york stock exchange. we gave back a lot of our gains. what is going on? >> we've been in the consolidation mode, tracy and ashley. when i ask them about back and forth they have seen. they talk about short term downturn. the truth is consolidation and hovering around the unchanged line. we're waiting for the debates. we're waiting for the jobs report on friday. so those are some of the balls in the area being juggle abouted around. vix is to the downside. dollar is stronger. you know we gave back the gains. we're up about 10 points. tech-heavy nasdaq is best of the bunch. one tech name we're focusing

on today that came under significant pressure is hewlett-packard. on the dow jones industrial average, so many people own this like they own mutual fund. it is number one loser. its back to the lows wee haven't seen nearly in 10 years. this is 2003 lows. meg whitman at analyst conference they're in fix and rebuild mode. they won't see reacceleration until 2015. tracy: lots of layoffs. nicole, see you in 15 minutes. ashley: our next guest says investors are too focused on large u.s. stocks and don't have enough diverse tri for their portfolios. mark madsen, manages 3 1/2 billion and ceo of. thanks so much for being here, mark. seems like a lot of investors despite everything in the markets don't want to invest. there is like a trillion bucks of private equity just hanging around on the sidelines. when does the dam break? when does everyone truly jump in?

>> you know, this is a very keynesian tale here because it happens every single time. the market crash 2008, 2009, and investors lost 40% of their money in equities and they panicked. they went to cash. since then small value stocks are up 150% in the u.s. and internationally, emerging markets stocks are up 160%. you will like this, ashley. u.k. stocks just this year, small stocks up 29%. and when most investors get in, will be when the market hits an all-time high. that is exactly the wrong thing to do. they sold low. bought high. bad idea. ashley: for those did exactly that, mark, is it too late or can they still jump in and where should they jump in? >> it's always the right time to be prudent. investors need to remember that equities are the greatest long-term wealth creating tool on the planet. and so that means even if you're 60 or 70 you have got another 20 or 30 years in

retirement you need equities to help offset inflation. the best inflation hedge we have equities. not gold. not dividend-paying stocks which are popular today you about good old-fashioned stocks diversified globally. get in now and hold it for 20 years. ashley: wow, that is long term. any particular sector you like over others? >> yeah. it's important when an investor diversifies their portfolio they have to be diversified internationally. we're in 45 different countries. all over the globe in over 11,000 different stocks. once they're diversified internationally. they need to focus on small microcap stocks and high book to value stocks because they have a premium of two to 3% a year. >> we have the fed, i don't care how they say it, printing money hand over fist. you would think that gold would go up as a hedge against inflation but you just don't like gold certainly as an asset but you don't like it even

against a hedge in inflation? >> yeah. gold is a terrible hedge against inflation. look inflation goes along at two, three, four, five%. gold can be as volatile as 30, 40% a year. you don't hedgingis that goes like this with something that goes like that. i think that is a good visual. you don't hedge, you don't hedge inflation with gold. you hedge it with short term high quality bonds or equities long term. ashley: i'm sure you will keep an eye on tonight's debate. what do you expect of this presidential race and how will it impact the market? >> i think the market is smart enough to have a lot of this already priced in because the market is very efficient but i think the worst long term danger to our economy is a second obama administration. so it is critical for romney to hit hit out of the park today. make obama to be on the offensive. we need somebody that beliefs in free markets, believes in capitalism and can get small businesses back running that is not

obama. ashley: we'll see what happens. thank you so much for joining us. >> my pleasure. ashley: thank you so much, mark. tracy: he said 20 years. ashley: he did. that's long, long into the future investing but he's right over the time equities are a good investment. tracy: yeah. we're just hours away from the presidential debate where voters will get their first chance to see president obama and mitt romney go head-to-head on big issues like the economy and taxes. peter barnes out in denver with the latest. peter, everyone is expecting mitt romney or hoping i should say mitt romney hits this out of the park. is he going -- gonna? >> we shall see, tracy. tell you in a second about the challenge that governor romney has to try to connect with voters. we're in the media center though. i want to give you a quick little tour of this. 3,000 folks in the media descended on denver to cover the campaign. they're not all here yet but this is the setup. around the back, this is

spin alley where we're standing. this is where all of the campaign officials and their surrogates and all analysts will come after the debate to try to spin. we folks in the media how the debates went. that corner there is where the obama team is going to be. in the back here we have some of our television sets, et cetera, et cetera. our colleague megyn kelly doing her show. this is where the romney team will be afterward to try to spin us. show you the challenge governor romney has everybody is talking about here. he does need to get specific, very specific in this debate tonight. take a look at these numbers from today's new "wall street journal" poll on the, on the, on the current state of play. 40% of voters say that mitt romney does not have a message and they do not know what he would do if elected compared to 28% for president obama. that is the challenge for mitt romney tonight, to start to tell the american people, the voters more about what he would do and

what he wants to do as president. tracy? back to you. tracy: whoa. peter barnes. a lot going on. don't miss our complete coverage of tonight's debate hosted by the fabulous neil cavuto, tonight at 8:00 p.m. eastern right here on the fox business network. nobody does debate better than neil. ashley: great insight. a great sense of humor. tracy: eventually he will talk about cannolies at some point and i love that. ashley: we'll have much more coming up including how both candidates will try to seize the upper hand on the economy. that will be interesting. fox news contributors, monica crowley and ellis henican are here to discuss. tracy: private companies adding fewer jobs in september than in august. is high unemployment becoming a structural problem in america? we've got that next. as we do every every day ait time of day, look oil is falling.

82.62 -- $88.62 a barrel. we'll be right back. [ male announcer ] this is the age of knowing what you're made of.

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with minimal collateral damage. but rather than neutralizing enemies in their sleep, you'd be targeting stocks to trade. well, that's what trade architect's heat maps do. they make you a trading assassin. trade architect. td ameritrade's empowering web-based trading platform. trade commission-free for 60 days, and we'll throw in up to $600 when you open an account. ashley: a new report shows private employers added more jobs than expected last month but, the number of new jobs still fell from the month before. so could it be just another sign that the u.s. is actually in recession? it is interesting to look at these numbers. liz macdonald here with emac's bottom line.

>> a pretty tepid report we're seeing and the number we have to keep in mind the net job creation since january 2009 is going to be all the talk of debates tonight. net 125,000 jobs created. that is the headline number to look at. what we're seeing is right in line with the tepid growth in the economy you will see tepid job growth. mark zandi, moody's analytics weighing in. he is saying it is a fiscal cliff. look what mark zandi is say, weighing in on the job numbers. looming fiscal issues appear to be weighing on business expansion plans. we know that. ashley: oh, yeah. >> what we're looking at two-year trend. this is from senior editor charlie brady. you will see the trend is not so great in job creation. it is coming under 200,000 jobs a month. you know, if you look at adp number, 172,000 average since january. monthly job gains. the government will report 151,000 average monthly job

gains. you need to be well over 200,000 monthly to get the unemployment rate down and keep up with population growth. what we're looking forward to is on friday, got a report, 113,000 jobs for september, versus 96,000 for august. the unemployment rate is expected to tick up to 8.2%. the issue with the government number it includes state and local job layoffs, right? that is issue too. this is right in line with tepid economic growth. right, gang? ashley: all of those people have simply given up, a large group of people. that is the scary part. so the real numbers are a lot higher. >> great producer justin friedman pointed that out. the other issue is, these numbers are rear view mirror. they're lagging indicators. going forward i hate to use a hype word, but the durable goods number dropping 13%, big monthly loss downward trajectory though, 13% down, biggest in three years. that is something a red flag warning sign. going forward are we going

to see, worsening jobless rates? something to keep in mind, masked by temporary holiday hiring? yes. there will be a lot of fuzziness in the government data. watch action on adp report versus what we may see on friday. that is how you have to look at it. ashley: great point. emac, appreciate it. tracy: talk about this market. we're only up about 12 points right now. we head down to schnick coal petroleum as we do every -- nicole petallides as we do effort 15 minutes. >> we're seeing the dow up 11 points and looking at a name making a lot of headlines and fell out of the news because nobody knew what was happening and back in the news. talking about best buy, the electronics retailer. we're talking about the founder. this is richard schulze, a person who was thinking about taking the company private. right now it is up 4% on the talks that he and four others, private equity firms are taking -- thinking about

taking best buy private. if you thought it was off the table it's not. it is creeping back in the news. the thought they are looking at books makes this stock move up higher, up 4%. tracy: nicole. see you in 15 minutes. so you have got taxes economy and jobs as liz macdonald just said, health care all expected to dominate tonight's presidential debate less than seven hours away but who's counting. fox news contributors, monica crowley and ellis henican will join us for a preview and debate the debate next. ashley: it will be very spirited. we'll see how the greenback is doing today. see how the currencies doing against the dollar. euro is down. pound down. most of them down except the peso. we'll be right back

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>> at 20 minutes past the hour i'm laura engle with your fox news minute. the fbi is now using facebook and twitter to help find a terror suspect a massachusetts man who may have fled to syria. he was indicted for elk'dly trying to obtain military training for the purpose of train killing american soldiers. a company expanded its

recall to include blanche and roasted peanuts including nut butter. they recalled under multiple brand names from major retailers afzal mow nell la was linked to peanut butter sold at trader joe's. illnesses in 19 states have been reported. baseball's regular season ends today. the new york yankees lead baltimore in the american league east. if the orioles beat tampa bay and new york loses to boston, then new york and baltimore meet tomorrow to decide it. the winner between oakland and texas gets the west decision title. the loser gets the wildcard. those are the news headlines on the fox business network. we head back to ashley and tracy. >> down to the wire for the yankees. laura, thank you so much. tracy: i have to tell you i didn't know baseball is going on. how many sports can you watch? ashley: 11 months of the year. tracy: holy toledo. we'll tell what you is going on the debates and economy. the economy is expected to be the number one issue tonight when president obama and mitt romney face off in

the first of three debates? what can we expect to hear from each of the candidates? what do they knead to say i think more important i? joining us with their takes on this, fox news contributor monica crowley and ellis henican. we like you so much because you have always a smile on your face. you're not like a angry liberal? >> i'm excited about the boys of october, i just don't know if it is bay ball players right? tracy: let's talk first about president obama, is it his game to lose tonight? >> he has got more to lose because he is, what is that line, if you ain't got nothing, you ain't got nothing to lose? yes. romney is under much greater pressure. draw goes to the president because the president is leading in the swing states. on his way to victory. so mitt romney needs to be mighty, mighty good tonight. more pressure. we'll see if he makes it. >> the polls are really tightening. you're starting to see national polls and swing state polls tighten as they always do as we get closer

to a national election. i do agree i think the onus is more on mitt romney. i think there is, there's a lot of pressure on him, a, to look presidential which he does anyway, but also really go after president obama. take apart his record point by point. present very specifics as to how his approach to the economy and jobs would be different but be very specific because that is what really generates confidence in voters. tracy: but that's the thing. we haven't gotten specifics out of mitt romney yet, have we? >> or from barack obama. >> no, we have not. if you want barack obama's specifics look what happened last four years. those are his specifics. with romney is in a bit of a bind though because the things he wants to do, when you get down to real brass tacks of them are not going to be popular, right? more tax cuts for super-rich. messing around with medicare. give us more specifics on that. see how that plays in florida. tracy: at the same time, enough is enough with

handing out welfare checks, handing out food stamps. we're on our way to socialism. is that what american people want to hear. >> what ellis said we have four years of evidence what barack obama has done and what he would do next four years. the reason obama is not being specific because if he told us more of the same, more deficit spending, ever huger debts, more growing dependency, more welfare checks the american people would go screaming into the streets. tracy: talk about mitt romney now. mitt romney, everyone wants mitt romney to come out swinging. is that the way to do this tonight? >> if you're romney you have to be tough and aggressive. you have to hit obama where it counts which is his abysmal economic record. point to americans suffering under this man. also be very specific in terms of pro-growth economic policies to turn this thing around. tracy: ellis. >> good luck. that is the exactly the tightrope he has been completely unable to walk. i feel sorry for him. he is under a lot of pressure. mitt, be specific. nail the president but be

likeable okay? you have to be completely likeable. tracy: the likeable thing is the part that bothers me the most because people think they can have a beer with president obama. people do not think they could even have like a diet coke with mitt romney. >> he doesn't even drink beer. tracy: where do the undecideds go at end of the day? do you go with a guy you have a beer with? >> most of the american people are fed up with the celebrity president. they want somebody confident and to turn this ship around and rescue america that is governor romney. likeability thing, you know what? so overrated. get under obama's skin, say you're likeable but -- >> however, monica, you have to believe the guy actually wants to help you. i think mitt is having a little trouble with that. tracy: clearly you both will be watching monica crowley, ellis henican. look at him. he is still smiling. i love him. don't forget to tune into our coverage of tonight's debate always hosted by the

fabulous neil cavuto, starting 8:00 p.m. eastern. ashley: great stuff. have a diet coke with mitt romney. tracy: i don't know, something. ashley: the point was made. great stuff, guys. coming up a retro hit making a big comeback this holiday season of the not a gift, but guess what? one way to pay for one. lay away. jeff flock is with the story next. tracy: first let's look at some of today's winners and losers on the s&p 500 as we head out to break. netflix still on top, 7.65% gain in that stock. we'll be right back. ♪

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>> oil prices are tumbling for the second straight day down 4% and trading just above the $88 mark. we will bring the closing numbers in a minute. microsoft in a big public -- some of its biggest advertisers including coke and gm as the new version of internet explorer has the do not track setting on by default. dennis kneale will cover the story next. president obama and gop candidate mitt romney in final preparations for tonight's critical debate. romney adviser and ceo our special guest. interesting to hear what he has to say. not a huge fan -- ashley: we will find the impact it will have. it is 30 past the hour. let's check the markets every 15 minutes. nicole petallides on the floor of the nyse.

nicole: he bliss is great at looking at the markets. what are we looking at back-and-forth? which way are we going? >> don't really know. we knew it would be a job recession. global macro data was not great offset by -- the data was okay. worst of all the clothes. look at the other data and the employment picture is down so even though orders are up, is not good for long-term prospects. nicole: when we look at the consolidation that is unchanged, what you waiting for? waiting for the jobs report friday and how can investors play a market like this? >> interesting question. from the retail perspective you will only go around the margins. you have to remember from an overall perspective we are up 15% and only have three minutes left in the year. not a lot of participation. agree complacent market.

the hedge funds will put the game and go home. i doubt that the jobs report will do anything to the market. a lot of people are waiting for third quarter earnings and we will start evaluating the market on fundamentals as opposed to central bank action. nicole: a lot of tax -- you can tell i am tired. what is your buying point? >> it is all the way down on 1430. we hit some resistance around 1450 one where we bounce off of that. ashley: we are in the final stretch. back in 15 minutes. tracy: holiday season is right around the corner. rather than wrap up credit card debt many consumers are opting for whale way. jeff flock is at kmart in chicago. i love this. jeff: a lot of people are opting

for this for couple reasons. don't wind up with a huge credit card bill at the end of christmas time and the other reason is a lot of people cannot get credit, cannot get the credit card they used to be able to get. i will talk to david about serious kmart but put up those companies now doing layaway. it is an impressive wrist. walmart last year and toys r us and t.j. max and burlington coat factory and kmart and sears. kmart never went away. has always been a big part of the business. >> it is not anything we go away from or do 365 day the year. >> here is the headline for sears and k mart. they're doing free life away. typically there is a circus charge before the christmas season no charge at all and you get something on way away shipped to your home. youon't even pick it up anymore and this gives you

advantage over customers or competitors. target and best buy two retailers that are not doing this. >> we try to set it up where you can shop layaway online or in the store. a lot of options for a way away. you can do eight week or 12 we play away anyway you like to get your business into our store we will take. >> one of the big keys on this is in addition to not getting a credit card if you can actually do something where you pay something off and take it home the old-fashioned way. >> this gives you an opportunity to come out of the holidays clean. children have presents and you have no debt so you can shop as a regular customer. >> layaway is here to stay. >> i have a layaway account -- does anyone remember foxmore?

[talking over each other] tracy: i think it is awesome. thank you. we have breaking news. oil closing down $3.75, $80.14 a barrel that is the 4% drop. ashley: the china each fact slowing down. a new company taking on what it calls and unpacked market in health care. co-founder alan blackstein is our special guest next. tracy: let's look at how the ten and 30 year treasuries are changing? it is 1.62% and 30 year unchanged as well. we will be right back.

lori: i am lori rothman with your fox business brief. pushing back shareholder vote on the $4 million bid by well point until october twenty third after investors have argued advisor goldman sachs pushed them into the deal despite having a better bid. carlyle group getting into the commodities game by purchasing a majority stake at 55% in hedge fund manager standing on private equity and $2 billion and invest in a variety of commodities.

shares are bullish for hanes brand reaffirming its guidance based on sales trends seen since last month. earnings per share up to $2.60. that is the latest from the fox business network giving you the power to prosper. now we need a little bit more... a little bit more vanilla? this is great! [ male announcer ] at humana, we believe there's never been a better time to share your passions... because the results... are you having fun doing this? yeah. that's a very nice cake! [ male announcer ] well, you can't beat them. [ giggles ] ohh! you got something huh? whoa... [ male announcer ] humana understands the value of spending time together that's a lot of work getting that one in! let's go see the birdies. [ male announcer ] one on one, sharing what you know. let's do it grandpa. that's why humana agents will sit down with you, to listen and understand what's important to you. it's how we help you choose the right humana medicare plan for you. because when your medicare is taken care of,

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sick. as a result of it. i was diagnosed with cancer in 2005 and the avalanche of health care hit me. everything from finding myself at eight doctors that were not communicating. four medical institutions we did not communicate and insurance bill left the personal right and center and insurance fraud by providers and 12 medications. >> you are from the bash your insurance company did not have a drug down there. >> the most outrageous fees. i was diagnosed with cancer and 500 people were diagnosed. it is between the heart and lung and helps you with immune system development. tracy: i had an anatomy charts to figure out. >> in the drop down menu and tried -- tracy: so now you have gone -- this is a total mess.

i like the analogy that an attorney accountant -- i'm going to hire you to handle my health care work. >> let's frame how we are helping you. we are helping you in a caregiver role for somebody else in your family. god forbid your mother. your mother may live near you or further away. she can't get up or gets diagnosed with dementia. they have 15 or 20 decisions you need to make over a period of time. decisions on your own or look for the experience with you to help you -- tracy: you become the middleman. >> if you consider your attorney middleman yes. we could go to court on our own but we don't. tracy: so you will talk to the doctors for me? they say i have to have some tests. no idea what it is. you will say is it necessary?

>> we are not diagnosing or treating. we are playing the intermediary between you and the physician. tracy: social workers and insurance people who are familiar but not doctors. >> there will be doctors on staff but the way i found it is there is an amazing work force around this country of nurses and social workers and other health-care advocates putting their own shingles out to work outside the system to help people like me navigate the system. patient advocates. tracy: this health care potential bill coming is going to get worse. your services could be really important going down the line. >> as we head for the quality of care paradigm which is the affordable care act we found ourselves to be complementary to everybody in the system. looking at primary-care physicians it is 7 minutes with

the patient. the affordable care act gives them a hug also. tracy: the bill is 200 to $700. >> the way we do it now is on a per situation basis. as we advance our business it will be a triple a model for the family for an annual fee you will get some assets to the online tools and care planners and when you blow the tire and additional charge. tracy: it is careplanners.com. we are glad you are here. thank you. it is a novel it and a little video about the wizard of oz. [talking over each other] tracy: we are not in kansas anymore. ashley: microsoft catching some heat from its most important clients over some new internet

settings. what has microsoft done to ruffle so many factors? dennis kneale covering the story joins us to explain. dennis: the battle lines are being drawn in the next big privacy fight and microsoft is the big advertiser by siding with consumers. microsoft's next version of internet explorer and tracking your every move online so advertisers can -- the new version airs on the side of do not track unless you specifically change the setting to allow it. ford, walmart, american express are furious about it. signing a protest letter to microsoft's ceo this week. the letters only high on hyperbole. and the next will drastically damage the online experience and harm consumers and hurt competition. and microsoft under fire from the federal trade commission. microsoft's do not track

approach. and government officials for years have been pushing the do not track option. microsoft riling other industry players because they are moving in front of a broader industry. do not track terms. the giant -- they hand that down $3 billion a year in advertising. so far microsoft -- senior microsoft executive last month proclaimed we need a new norm. to generate the data for the industry to be left out of the equations. this time microsoft being one of the good guys. ashley: your biggest clients. interesting story. the dow did turn positive. tracy: quarter till the hour and time for stocks as we do every 15 minutes. nicole petallides is trying. nicole: it will be interesting.

we have a lot to wait for and the law for investors. we have the weekly jobless numbers and monthly jobless numbers friday and all these things cutbacks during the debate. all these things could factor and you see the dow is up 7 points. i want to take a look at a leader on the s&p 500 which is netflix. a couple things to note. citigroup analyst linked to they reiterated the buy rating on this stock talking about reasonable evaluation and execution and track record and talking about the opportunities that still lie ahead for netflix and we will get their numbers later. their quarterly report. the stock is doing really well on the analyst's buy rating for netflix. tracy: see you in 15 minutes. ashley: the regulation nation,

ceo of hardee's is the poster boy of americans companies singing on cash. is more clear. our special guest is next. tracy: let's look at today's winners and losers. the dow is up three points and netflix the big nasdaq winner of 8.5%. we will be right back. [ male announcer ] let's say you need to take care of legal matters.

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tracy: oil extended its losses for the second straight day hovering below $88 a barrel. sandra smith has more from the pits of the cme. what is going on? >> we got oil settled on the session at $88.14 a barrel. in the after-hours session of the trading session dipping below $88 a barrel. everyone was watching the trade segment because we down on the trading floor with traders warning everyone of the move where we dropped below $90 a barrel. you guys were warning of this was going to continue. what is the biggest thing driving prices down nearly $4? >> backing out the volatility factor you have waning demand across the united states and the world so it is down to the fact that if you don't have demand in the u.s. highest price is still

high which is why it is slow to 80. sandra: does the debate play apart? >> really will be more pro drilling sending oil lower. a better chance of getting elected. sandra: do you have a way of playing chesapeake with a buy on this? >> chesapeake natural-gas will be the beneficiary and continues to rise. new uses a driving that market and apache pricey and as oil drops apache was richly valued will come down and has an aggressive rock. sandra: using oil is down? natural gas down even more. down 5%. a big sell-off. back to you. tracy: see you in the next hour. ashley: our next guest has been critical of government regulations and says they are costing this country jobs.

the ceo of c k e restaurants, parent of hardee's and an economic adviser to mitt romney's campaign. he joins me now. thank you for doing that. how much does this new health care law cost your company? what is the impact? >> nobody knows. it is so complex. nobody read it before was passed and people are having a hard time reading it. we use the top health-care adviser in the country merger and associates to add us on health care policy and health care issues. initially they told us it would increase our health care costs from $12 million a year to $30 million so it is 150% increase. that is devastating. we spent $10 million building new restaurants and that is how we create jobs. there are ways to get the number down. you can offer your employees the

lowest health-care policies the government allows. you hate to do that because you hate to take health care away from people and make people if they're under 30 hours they're not covered and don't have to provide health care but everybody is looking at that and people living for that model but you hate to do that because part-time employees are less productive than full time leading california 83% of employees are minorities. 60% are women. a lot of single moms need these full-time jobs. you hate to make them part time to keep your expenses down but we may not have a choice. it is a complicated issue but prices are going to. the cost of health care increasing dramatically. ashley: you were telling the story of a franchisee in iowa who had one restaurant and wanted to build another but because it would put him over the 50 employee level where health care costs kick in he is not going to do it. is that the most classic example of how this is hurting expansion on job creation?

>> that is a very good example. i am in new orleans and was talking to the franchisee yesterday and he hasn't changed his position. in number of franchisees' said we are not sure about taxes or what is happening with energy costs or what is going to happen with the labor unions and how that could impact our business and we are scared of obamacare so we will hold back on investment and building new restaurants and when people hold back you have 8% unemployment for 43 consecutive months and twenty-three million people unemployed. businesses are not going to move forward with the uncertainty and anti business policies this administration has fostered. ashley: 30 seconds. what do you hope to see from mitt romney in the debate? >> i hope he draws a distinction between himself and president obama. it is a clear distinction. you never know what will happen in the next four years but we

have one president who decided government control and government dependency are the answer to every problem and someone out there who support free enterprise. freedom economic and individual freedom and wants to release the american spirit. if we release that entrepreneur real energy we will get back on track and recover. ashley: great place to leave it. thank you for joining us. tracy: stick around for the closing bell. global ceo john tyler giving you $750 billion of investment advice exclusively here with ashley in the next hour. count down to the closing bell is next. don't go anywhere.